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Equity release
Equity release calculator

How do I release some of the equity in my house?

It’s quick, easy, safe and secure to calculate how much you could release using our online tool. Our equity release calculator uses two main factors:

  • Property value: A higher property value could result in a higher equity release calculation. The minimum property value to be eligible for equity release is £70,000
  • Age of youngest applicant: If you are applying as a couple, the amount of equity you could release will be calculated based on the youngest applicant. Both applicants must be aged 55 and over to be eligible
If you’re unsure about whether or not you qualify, our expert team are always on hand to answer any questions. They'll then be able to book an appointment with an adviser who will discuss the options available to you. During your initial consultation, your adviser can check to see if you’re eligible, talk you through the plans we have available and answer any questions you may have.

Compare equity release plans

Choose features to personalise your plan based on what matters most to you.

All of our plans meet the Equity Release Council standards which means they come with the no negative equity guarantee, so you can’t pass on any debt through equity release to your beneficiaries. Whether you’re looking for low interest rates, high loan amounts or flexible features, there’s a Key Equity Release plan for you.

Features such as inheritance protection and downsizing protection may also be available to you. These additions will help you to create the equity release plan that is tailored to your needs. Inheritance protection allows you to ring-fence a percentage of your property's future value as a guaranteed inheritance. Downsizing protection allows you to move to a new home that does not meet our criteria and repay the plan without having to pay any early repayment charges as long as the move occurs after a minimum of 5 years from the start date of the loan.

The next steps to releasing some of the equity from your home

It’s pain-free to find out how much equity you may be able to release from your home. Your specialist equity release adviser will take you through:

  • Why you have to get professional advice before releasing tax-free cash from your home. You can read all of our information on making sure it’s right for you on our website.
  • Key Equity Release offer lifetime mortgages only, which is a loan secured against your home. It’s important to note that it will reduce the value of your estate and may affect your entitlement to means-tested benefits.
  • No matter which plan you choose, they all meet the Equity Release Council standards and come with several protections, including the no negative equity guarantee, which means you’ll never owe more than your home’s value.
Our Key advisers are experienced in providing the best possible advice, tailored to suit your needs. You can also get in touch by giving us a call.

You're in safe hands

All of our plans meet the Equity Release Council standards. With our plans:

  • You have the right to remain in your home for as long as you choose
  • You have the freedom to move to another property without financial penalty (subject to criteria)
  • You will never owe more than the value of your home with the no negative equity guarantee

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Page last updated: Thursday 24 September 2020